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P&L Statement Loans – Flexible Financing for the Self-Employed
Simple qualification using just your CPA- or tax preparer–prepared P&L statement, designed for real business owners.
If you’re a real business owner, entrepreneur, or commission-based professional looking for flexible mortgage options without the burden of traditional documentation, our P&L Statement Loan Program is designed for you. Using your annual profit and loss statement prepared by a licensed CPA or tax preparer, you can qualify for financing up to $3.5 million with LTVs up to 90%. Credit scores start as low as 600, making it an ideal solution for self-employed borrowers who want a streamlined path to homeownership or investment.
FAQs
What documents are required?
You only need a 12- or 24-month P&L statement prepared by a licensed CPA or tax preparer — no tax returns required.
What’s the maximum LTV allowed?
Up to 90% LTV is available for qualified borrowers.
What’s the minimum credit score?
Credit scores down to 600 are accepted.
What’s the maximum loan amount?
You can borrow up to $3.5 million.
Can I use this for investment properties?
Yes — the program works for primary residences, second homes, and investment properties.
Are business bank statements required?
No — the approval is based on the CPA- or tax preparer–prepared P&L statement.
Why This Program Works for Self-Employed Borrowers
Self-employed professionals often face challenges when applying for traditional loans due to write-offs and complex income structures. This program bypasses those issues by focusing solely on your actual business performance as reflected in your P&L statement, rather than requiring tax returns or W-2s.
A Streamlined Path to Approval
With flexible credit score requirements, high LTV options, and large loan amounts, the P&L Statement Loan Program offers a business-friendly mortgage solution that matches your real-world income situation. Whether you’re expanding your portfolio or purchasing your dream home, you’ll get a faster, simpler approval process.